Bank transfer scam: Which? issues warning
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- เผยแพร่เมื่อ 11 ต.ค. 2024
- A victim of ‘authorised push-payment’ fraud reveals how she lost £20,000 of her life savings to the bank transfer scam.
Which?'s Money Helpline has seen a large spike in calls about a type of bank transfer or 'authorised push-payment' (APP) fraud, where criminals pose as a legitimate company to trick you into transferring money from your bank account.
Protect yourself from bank transfer scams by following these five steps:
1) Hang up
Be wary of unsolicited calls or emails. Call your bank directly using the number on the back of your debit card, and type its web address manually into the address bar.
2) Think twice
Pay attention to your bank's warnings. They will never ask you to transfer funds to a ‘safe account’ or disclose your full security details, card-reader codes or activation codes by phone or email.
3) Research
Research companies you’re thinking of buying from for the first time. Read reviews and be wary of ‘too-good-to-be-true’ offers. Free services such as scamfoo.com flag potentially untrustworthy sites.
4) Update your devices
Keep operating systems, antivirus software and web browsers up to date so your device is protected against the latest threats.
5) Do a test transfer
If you’re making a large payment after receiving an invoice, first send a small amount and make sure the right person receives it.
To read more about bank transfer scams and for expert advice on what to do if you're contacted by scammers claiming to be your bank, visit: www.which.co.u....
Which?: www.which.co.uk
Twitter: / whichuk
Facebook: / whichuk
This is the reason bank branches shouldn't close. I never give bank details over the phone. Only deal with banks in a branch. Never online or telephone... Simple
Online banking is generally going to be safe as long as you are careful and know the tricks, I know that my bank or any other reputable organization will never ask me for my log in information, including codes generated by my card reader or texted to me, tell me to transfer money into another account, or to click a link to update my information or say that there's a problem with my account or thar I've won a prize. As a rule I never download anything or click any links in emails or texts except in a few specific circumstances where I can't really avoid it like to reset my password or verify my email, but even then, I won't click without thinking very carefully about it: was I expecting this email? Does it have my name, or is it just generic like "dear customer" or "valued customer"? Are there any SPAG mistakes? Is the request plausible? Is the email address plausible? Does anything just look or feel off? Do I have to click on the link instead of just logging in on my browser? I ask these questions and if the answer to any of them is no, I will not click the link.
I also never answer the phone to any number I don't recognize or have in my contacts. If it was someone who had a genuine reason to contact me, they'd call me back, text, or WhatsApp me. If they claim to be an organization I trust, whatever the phone number (which can be faked) I hang up, wait a minute to make sure the phone has actually disconnected and ring the company back on the phone number on my card or the website
No genuine bank, retailer or police would EVER ask you to give out your online pins and passwords or take remote access to your device there is a number of warning through adverts, TV shows and social media on how to protect yourself! If you are ever on the phone to anyone claiming to be your bank, BT or any other reputable company for more than 8/10 minutes we suggest you end the call and call back On the number you know and trust at your earliest convenience
Not very helpful, could it not be linked to video of how to prevent this happening to you.. at least a few details of how it was done?
Hi @Mayhem8166, fair point, we've now added the following link to the end of the video. The simplest thing to do is never trust any 'bank' that calls you. Put the phone down and call your bank yourself using the number on the back of your card or statement. Try to avoid using your landline as well if you can as this can sometimes be hijacked if you have just received the call on the same line. www.which.co.uk/news/2019/01/which-issues-warning-as-scammers-target-natwest-and-rbs-customers/#tips
That absolutely sucks..
I don’t think the banks are doing enough
They aren't
I have been scammed out of just under £100,000 and Lloyd’s have refused to help me recover it
Have you tried complaining to the financial ombudsman?
@@lynetteblack7642 Did they ask for money upfront?
@@thomascoward3396 Hi I am in the process of doing this!
@@patrickrowland6219 yes i did pay a fee
@@lynetteblack7642 how much was the fee ?
I just got scammed. But I just realised that I got scammed when I watched this video. I was lucky that I was at work and the card reader was at home. I told them to ring next morning. This gave me time to look into videos and website. So the key thing is that never allow anyone to make you use your card reader whatever the circumstances.
Video contains NO INFORMATION as to what happens in this type of fraud
so gives you no idea what you should and shouldn't do
We have now added the following link to the end of the video. The simplest thing to do is never trust any 'bank' that calls you. Put the phone down and call your bank yourself using the number on the back of your card or statement. Try to avoid using your landline as well if you can as this can sometimes be hijacked if you have just received the call on the same line. www.which.co.uk/news/2019/01/which-issues-warning-as-scammers-target-natwest-and-rbs-customers/#tips
If you know the tricks, you can avoid it: your bank bank or any other reputable organization will never ask you for your online bank log in information, including codes texted to you or generated by your card reader, security device or app, tell you to transfer money into another account, to click a link to update your information or say that you've won a prize. As a rule never download anything or click any links in emails or texts except in a few specific circumstances where you can't really avoid it like to reset your password or verify your email, but even then, don't click without thinking very carefully about it: was I expecting this email? Does it have my name, or is it just generic like "dear customer" or "valued customer"? Are there any SPAG mistakes? Is the request plausible? Is the email address plausible? Does anything just look or feel off? Do I have to click on the link instead of just logging in on my browser? Ask these questions and if the answer to any of them is no, do not click the link.
I also never answer the phone to any number I don't recognize or have in my contacts. If it was someone who had a genuine reason to contact me, they'd call me back, text, or WhatsApp me. If they claim to be an organization I trust, whatever the phone number that shows (which can be faked) I hang up, wait a minute to make sure the phone has actually disconnected and ring the company back on the phone number on my card or the website
Why are there so many scam comments in a video which reason is to *prevent scam?*
SO annoying
I actually got a text message regarding a fund transper to my account to help the poor and needy people.
Bank rarely calls
SORRY this happened
dont she no any phone number can be spoofed
Not everyone knows about this kind of thing unfortunately, that's why we try and highlight these problems.
omg,i just got a text form halifax aparently that a trasfer from unrecognised devise happened,but i dont even have halifax account,jesus christ these scamers never stop
Like a mosquitoes in a swamp
i got scammed today, i spent 250 pounds which is alot for me ffs
Jacobfifth77GmailCom could help you recover your money.
Same so pissed off
£300 for me 😭
I came across your comment in a group complaining about your lost funds,I was also scammed too I totally understand how you feel, I was hoping to ask if you were able to recover your lost funds?
you need to always call them back dont use there numberes alway call back yourself yourfault for trusting them no point crying later its not that sfistacated its just phone number spoof u can get cheap app to do that from ages ago you are giving them acces to your account wot do you expect
How can I get my money back? A lady told me if I invested £500 I would guarantee get some investment back. She later contacted me and told me I had to pay £400 extra to pay the fees. Once done she said I had to pay an extra £300 to release again.
i think i know someone who can help you with the recovery of your funds .... matthewtelfordz@gmail.com its not too late to recover this funds
I came across your comment in a group complaining about your lost funds,I was also scammed too I totally understand how you feel, I was hoping to ask if you were able to recover your lost funds?
No sympathy... You must be slow in the head..don't blame your bank..it was all on YOU....fact